Global Supply Chain Funding for SMEs

URICA injects cash into supply chains to empower businesses of all sizes to pay and get paid on the terms of trade they want. We are funded and supported by RSA and the British Business Bank and backed by Euler Hermes, the world’s leading credit related insurance provider.

It was designed from the ground up, reimagining how business payments should work to address once and for all the problem of late payment within SME supply chains.

URICA’s online platform and strategic partners mean that for the first time the benefits of supply chain funding can be available to every business in a supply chain, even the smallest.

“This was the perfect finance opportunity we had been waiting for,”
Allan Gannon, CEO, AG Vent

Get paid earlier Without recourse
Pay your suppliers on improved credit terms
Grow exports with competitive credit terms

Funded and supported by



Accredited for


How it works

Credit allocation

URICA focuses 100% on the financial strength of a supplier's customer in any transaction. To get going we confidentially and quickly evaluate the customer and allocate their supplier up to £2m of credit. Crucially, this means that the size or financial strength of the supplier is not of any importance to us.

Supplier issues invoice electronically

The supplier then issues an invoice to their customer electronically via an email from the URICA platform.
All the supplier’s customer needs to do now is to check if the invoice is in order and approve it through a secure link in the email.

URICA then buys invoice for cash

At that point URICA will buy the invoice, less a small discount, and pay the supplier without recourse. This means a supplier can receive outright cash as soon as the day after an invoice is raised. We never require personal guarantees or security.

3% cash back and extended credit terms

As an incentive from URICA, the supplier's customer can receive 3% cash back and have up to 90 days of extended credit. The exact repayment terms are agreed between the supplier and customer at the outset - URICA only facilitates payments. As the customer can be in the UK or overseas, we can also fund a supplier’s exports in exactly the same way.
See eligibility
Speak to one of our team

People often ask if we are the same as invoice discounting.

We are fundamentally different.


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Calculate the maximum cost

This is the price in the UK. There are no hidden charges

£ € $

Invoice amount

For this invoice, URICA will pay the supplier

No personal guarantees or security.

Our discount covers all costs, including:

  • Service
  • Full credit insurance on each invoice
  • Early payment
  • Currency exchange risk

URICA Commission:

“URICA helped us immensely with keeping our suppliers happy, and keeping profit in the business.”

Jo Amit, Managing Director, Hownd

Read our client stories


Consumer Goods

"URICA releases 100% of the cash in the invoice. Other products are more like a credit line."

September 28, 2016

Read the full story

Blackburn & Co.


"My ultimate goal is to put as much business through the URICA system as possible."

July 13, 2016

Read the full story

Revolutionary Coatings


"URICA has made the system we were using with a bank look expensive and not workable."

July 7, 2016

Read the full story



"If we had known about URICA two years ago, things would have been a lot easier."

June 30, 2016

Read the full story

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